Atlantic Highlands at a glance
- Population: 4,383 people, the 208th-largest place among New Jersey's 323 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 4,413 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: down roughly 0.7% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among New Jersey places: 208th by size among 323 communities (US Census Bureau).
- Size percentile: about 36% of New Jersey's Census places are smaller (US Census Bureau).
- Coordinates: 40.4118, -74.0198 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Rumson, NJ (4 mi); Fair Haven, NJ (4 mi); Red Bank, NJ (5 mi); Little Silver, NJ (5 mi); Oceanport, NJ (7 mi) (Census populations, approximate straight-line distance).
- Smaller towns nearby: Highlands, NJ (2 mi); Sea Bright, NJ (4 mi); Monmouth Beach, NJ (6 mi) (US Census Bureau).
What a personal loan costs in Atlantic Highlands
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
New Jersey lending rules that apply in Atlantic Highlands
The table lists the New Jersey rules that apply to a loan made in Atlantic Highlands, each with the regulator that published it.
| Rule | Detail | Source |
|---|---|---|
| Small-loan / installment lender licensing | Consumer lender license required for loans of $50,000 or less for personal, family, or household purposes (N.J.S.A. 17:11C-1 et seq.) Source says: "A consumer lender license is required for the making of a loan that is to be used primarily for personal, family or household purposes" | New Jersey Department of Banking and Insurance as of 2026-09-16 |
| State lending regulator | New Jersey Department of Banking and Insurance (DOBI); Office of Consumer Finance supervises consumer lenders Source says: "The Office of Consumer Finance regulates 16 types of businesses that provide a variety of consumer financial services." | New Jersey Department of Banking and Insurance as of 2026-09-16 |
| Criminal usury limits | 30% for non-corporate borrowers; 50% for corporations Source says: "the criminal usury limitation is 50 percent for corporations and 30 percent for non-corporate borrowers" | New Jersey Department of Banking and Insurance as of 2026-09-16 |
| Maximum legal interest rate (usury cap) | Civil usury: rates above 6% (agreement not in writing) or above 16% (written contract specifying the rate) Source says: "the civil usury rate is any interest rate greater than 6 percent for an agreement that is not in writing" | New Jersey Department of Banking and Insurance as of 2026-09-16 |
| Payday lending status | Unlicensed payday lending violates New Jersey's civil and criminal usury rates; payday lenders must be licensed Source says: "out-of-state or foreign entities that have not obtained the required New Jersey license and whose payment terms violate New Jersey's civil and criminal usury rates" | New Jersey Department of Banking and Insurance as of 2026-09-16 |
How to compare offers in Atlantic Highlands
A few practical steps will make the process in Atlantic Highlands less costly:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in New Jersey using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.